🇮🇳 India · FY 2025-26 (AY 2026-27)

Take-Home Salary Calculator

Convert your annual CTC (Cost to Company) into an estimated monthly in-hand salary — after PF, professional tax, and income tax.

Your Details

Annual CTC (₹)

Basic salary (% of CTC)

Most companies set Basic between 35–50% of CTC. Check your offer letter for the exact figure.

Professional tax (annual, ₹)

Varies by state — ₹2,400/year is a common maximum. Some states charge less or none.

Tax regime

Your Result

Enter your CTC details and click "Calculate" to see your estimated in-hand salary.

How this is calculated

Basic + DA is estimated as a % of your CTC (editable above)
Employer PF (12% of Basic) and an estimated Gratuity (4.81% of Basic) are part of your CTC but are not paid to you monthly — they're subtracted to arrive at Gross Salary
Employee PF (12% of Basic) is deducted from your gross pay every month
Professional tax is deducted as per your state's rules
Income tax (TDS) is estimated using the regime you select, spread evenly across 12 months

ESTIMATE ONLY

This is a simplified model. It doesn't account for variable pay, bonuses, meal cards, LTA, or company-specific salary structures, and uses only the standard deduction (not full 80C/80D deductions) for the Old Regime estimate. Your actual payslip may differ — check with your HR/payroll team for exact figures.